Read this before you use the catalog.
- A tradeline placement is not a loan, a credit repair contract, or a new card in your name.
- The issuer decides what it reports, and when. We describe the account we are offering and the reporting window we expect.
- A specific credit score is not guaranteed. Anyone who quotes a guaranteed point gain is guessing at a private scoring model.
- Recent collections, charge-offs, or late payments can outweigh a new authorized-user account. Ask us before you buy if that describes your file.
- You should not send a Social Security number, a date of birth, or a bureau password to place an order on this site.
If you want the longer version of how an order moves, start with How it works.